Now you can enjoy life’s adventures with added confidence. With simple, affordable and on-demand insurance protection plans that help you quickly get back on your feet after any inconveniences. We make it easy for you to understand what you need, get only what you need, when you need it the most. With just a few clicks, you can now protect yourself and all that you love the most.


At Tune Protect, we believe that everyone deserves to be protected. We aim to provide our customers with the added confidence to enjoy life’s adventures, knowing that they and the ones they love the most are well protected.

Since our inception in 2011, we are committed to delivering an excellent customer experience through our understanding of our customers who are increasingly looking for simplicity and convenience when it comes to insurance coverage. Our straightforward and affordable protection products are all easily accessible through the convenience of digital channels.

We offer a range of tailored non-life insurance coverage products that are relevant to the needs of our customers in today’s world that include protection for travel, accidents, theft or unforeseen calamities, among others. We make our products simple and straight-to-the-point so that our customers can pick and choose the right plans for them, when they need it the most. And most importantly, we make it easier for our customers to understand what they get, and simplify the process to get it. They can now apply and claim for protection through our user-friendly digital channels, anytime, anywhere.

Through our strategy of simplifying and creating a more efficient means of access and engagement through digital channels, we are able to provide our customers products and services that are fully relevant to their needs. We remain committed to be there for our customers, our employees, our partners and our stakeholders for the long-term.



Tune Ins Holdings Berhad rebranded to Tune Protect Group Berhad


Acquired 49% equity interest in an associate company in Thailand - Tune Insurance Public Company Limited (“TIPCL”).


Entered the Middle East with a Joint Venture Agreement with Cozmo Travel LLC (“Cozmo Travel”) and set-up Tune Protect Commercial Brokerage LLC (“TPCB”)


TIH was listed on the main market of Bursa Malaysia with a market capital of RM1 billion.


Tune Insurance brand was launched


TIH acquired Oriental Capital Assurance Berhad (OCA). OCA was renamed Tune Insurance Malaysia Berhad (TIMB) on 21 September 2012.


TIH acquired TIL, TMGR and TMLR from TMSB to consolidate insurance business.


TIH was converted to a public company and assumed present name of Tune Ins Holdings Berhad.


Incorporation of Tune Ins Holdings Sdn Bhd (TIH) as a private limited company.


Tune Money Life Re Ltd (TMLR) was incorporated as a wholly owned subsidiary of Tune Money Sdn Bhd (TMSB) and in June 2011, obtained license to carry on Labuan life reinsurance business.


Tune Money GenRe Ltd (TMGR) was incorporated as a wholly owned subsidiary of Tune Money Sdn Bhd (TMSB) and in May 2011, obtained license to carry on Labuan general reinsurance business.


Tune Insurance (Labuan) Ltd. (TIL) was incorporated and in April was licensed to operate as an offshore captive insurer in Labuan.


Razman Hafidz Bin Abu Zarim

Chairman's Welcome

Dear Reader,

Welcome to Tune Protect.

Since the incorporation of Tune Ins Holdings Berhad in 2011, we have shown significant positive progress and I am extremely encouraged by this position. My sincere thanks to our customers, employees, agents, shareholders and all our partners for your contribution, thus far.

We have grown in size, from a team of 16 people at the start of 2011 to a team of more than 450 dedicated employees. We have secured long term partnerships with AirAsia, arguably the best low-cost airline in the world, and have a rapidly growing database which, as at 1 Jan 2013, stands at more than 7.5 million policyholders from around the world. In May 2012, we acquired Tune Insurance Malaysia Berhad (TIMB) which brought us a different sort of network with its 1,000 agents and 19 branches across Malaysia and expanded our ability to cover a wider range of general insurance.

Moving forward, our focus is to enhance our regional footprint concentrating on our key markets and maximizing shareholders’ value with record profits while creating a digital ecosystem for our people and stakeholders, including our customers and partners. The Tune Protect website will serve to connect us with the ones who matter – You.

Our values encourage us to work with you and do so with passion and positivity. We will stay true to our promise of keeping things simple, convenient and innovative. Most importantly, we are determined to ensure you receive good value from Tune Protect. Our vision is to be recognized as the leading digital insurance and I trust that with your support, we will achieve this and more.

Thank you for visiting our website.

Ng Siek Chuan


Ng Soon Lai
Ng Soon Lai @ Ng Siek Chuan
Chairman, Independent
Non-Executive Director
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Aireen Omar
Executive Director
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Tan Ming-Li
Tan Ming-Li
Non-Executive Director
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Rashdi Chazalli
Mohamed Rashdi Mohamed Ghazalli
Senior Independent
Non-Executive Director
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Kelvin Desmond Malayapillay
Non-Executive Director
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Khoo Ai Lin

Group Chief Executive Officer

Khoo Ai Lin was appointed as the Chief Executive Officer (CEO) of Tune Protect Group Berhad (TPGB) on 14 January 2019. Prior to the appointment, she was the Chief Executive Officer (CEO) of Tune Protect Malaysia (TPM), a subsidiary of the Group from 2 August 2017.

With more than 20 years of experience in the financial services industry, Ai Lin’s portfolio spans across key roles in partnerships, distribution, bancassurance, business development and affinity business within the life, general and composite insurance sectors.

A well-established thought leader and partner in the Malaysian insurance industry, Ai Lin was the Chief Marketing Officer at a multinational insurance company prior to joining the Group. Ai Lin is a graduate of La Trobe University, Australia and holds a Bachelor’s degree in Economics, majoring in Banking and Finance. She is currently also a Director of Tune Protect Re Ltd., Tune Protect Malaysia, Tune Protect Thailand and Tune Protect EMEIA.

How Kim Lian

Chief Financial Officer

How Kim Lian (“How”) joined the Group on 4 May 2020. As Chief Financial Officer, he is responsible to review and establish key financial strategies in aligning to the Group’s Corporate Strategy by evaluating financial operational trends, measurements and productivity levels, aside to looking at acquisition and expansion prospects, identifying areas for improvement and accumulating capital to fund expansion.

He has over 20 years of senior management experience, including a decade of strategic development and execution planning in Finance Transformation, Programme Management, Enterprise Performance Management and Investor Relations. Started his career in Arthur Andersen, he transitioned to PricewaterhouseCoopers and most recently as the Group Deputy Chief Financial Officer of AirAsia prior to joining the Group.

How is a Member of the Australian Society of CPAs (ASCPA), Malaysian Institute of Accountants (MIA), the Institute of Internal Auditors (IIA) and a Certified Internal Auditor (CIA).

Prasanta Roy

Chief Digital Transformation Officer

Prasanta Roy (“Prasanta”) joined the Group as Chief Digital Transformation Officer on 29 April 2020. He is responsible to conceptualise and implement the digital vision and strategy with the aim of realising a winning business model and creating exceptional customers’ experience, while driving organisational growth, performance and profitability for all lines of businesses across the Group.

He has over 20 years’ experience in leveraging technology to drive organisational growth and expanding business impact in the era of digitisation, holding various leadership roles in IT Strategy & Architecture and IT Transformation spanning across companies in Malaysia, Africa, India, North and Latin America. Prior to joining Tune Protect Group, Prasanta was most recently attached to Axiata as the Vice President & Group Head IT Strategy and Architecture. His expansive experience included stints in Ericsson, Vodafone, Idea Cellular and Ushacommunications Technologies.

Prasanta is a graduate of the Manipal University, India with an MBA in Information Technology.

Mohd Yusof Hafiz Mohamad

Chief – Government & Regulatory Affairs

Mohd Yusof joined us on 1 March 2019 as our Chief – Government & Regulatory Affairs to ensure sustainability of the Group’s revenue streams globally from a legal and regulatory perspective while supporting the implementation of regulatory policies across the Group. He will also have oversight over Legal and Company Secretarial functions whilst supporting effective corporate governance across the Group.

Yusof spent 6 years with Central Bank of Malaysia’s Insurance & Takaful Supervision team, and since then have been exposed to roles in compliance, data science consultancy, and capital and credit risk management. Prior to joining us, he was in a Consultancy role for the Group from September 2018 and was also working for an analytics consultancy firm based in Indonesia .

Yusof is a graduate in Bachelor of Science in Actuarial Science (Hons.) from the London School of Economics, UK.

Koot Chiew Ling

Chief - Corporate Development &
Investor Relations

She was appointed Head of Corporate Development & Strategy on 10 February 2014 overseeing three core areas – Corporate Strategy, Investor Relations and Programme Management Office. She is primarily responsible for leading the Group’s strategic initiatives and key projects as well as engaging analysts and investors alike. She is a Director of Tune Direct (M) Sdn Bhd.

She has more than 20 years’ experience in areas of business development, product development and corporate planning. Prior to this, she served local and regional capacities in major financial services institutions such as AIG and Etiqa. In CIMB, she was part of the pioneer team instrumental in the setup of the bancassurance partnership in Indonesia.

She graduated from Curtin University of Technology, Australia with a degree in Commerce.

Yap Hsu Yi

Chief - People & Culture

She joined the Group as Head of People and Culture on 4 May 2016. She has the responsibility for defining and leading the people strategy of the Group to create a distinctive culture that separates the Group from industry peers. She is a member of the Employees’ Share Option Scheme Committee.

Hsu Yi has more than 15 years’ experience working across various industries. Prior to this, she served companies such as Arthur Andersen, PWC, Mercer Consulting, Telenor and PepsiCo.

She graduated from Monash University, Australia with a degree in Commerce majoring in Accounting and Finance. She is a recipient of many internal and external awards for outstanding achievements in human resources.

Group Structure

Shareholdings as at 30th April 2019

Tune Protect

  1. Shareholders: Tan Sri Dr. Anthony Francis Fernandes (50%) and Datuk Kamarudin Bin Meranun (50%)
  2. The remaining 16.7% is owned by minority and unrelated shareholders
  3. The remaining 51% is owned by various Thai shareholders
  4. The remaining 51% is owned by a local company in United Arab Emirates
  • * Approval obtained in relation to the establishment of Retakaful window within Tune Protect Re Ltd according to Bursa announcement dated 4 May 2017



We do not compromise on principles and ethical standards. Respect and trust are at the core of everything we do.


Curiosity fires our creativity. We are able to transcend original ideas and imagination into meaningful solutions in what we do.


We are a family - working together in unity and inclusivity. Together, we shall progress to achieve greater things ahead.


Tune Protect has high expectations of its leaders and employees. Everyone has a role to play in ensuring our culture allows employees to derive work satisfaction, have fun on the job and enhance the effectiveness of the organization.


We treat everyone equally We are always looking for ways to make it<br/>better. We have fun and can laugh at ourselves and with others. We don’t give up till we win.
We put some love in everything. We smile and greet when we meet. We meet, discuss and solve problems. WE ARE